National General insurance review 2025
Policyholders in search of high-risk auto insurance or customizable home insurance policies may find National General, a subsidiary of Allstate, to be a good fit.
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AutoAvg. annual premium for full coverage $2,761Avg. annual premium for min coverage $753HomeAvg. annual premium for $300k dwelling coverage $1,727Avg. annual premium for $750k dwelling coverage $4,118
News
- In 2025, courts in New York and California have filed lawsuits against National General, for failure to protect consumer data and a system of “bad faith practices,” respectively.
- In July 2024, the U.S. Department of Justice filed a civil complaint against National General, charging it with mistakenly force-placing collateral protection insurance on vehicles financed by Wells Fargo from 2008-2026. Borrowers with the coverage paid an average of $1,100 a year for coverage they did not need.
Compare National General with other insurers
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Featured
National General
4.0
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.
Cost & ratings 3.7Coverage 4.5Support 4.0 |
Bristol West
3.4
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.
Cost & ratings 3.0Coverage 3.5Support 4.0 |
The General
3.3
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.
Cost & ratings 3.0Coverage 3.5Support 3.9 |
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OVERVIEW
Bankrate identified key carrier features, coverage offerings, discounts and more
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National General’s pre-packaged insurance policies could make it a good choice for newer drivers or homeowners. However, the company receives a higher number of complaints and has a low J.D. Power score for customer satisfaction.
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Compared to National General, Bristol West has more limited policies, but it may be a good option for those who prefer a hands-on approach to their insurance. The carrier has a highly rated mobile app for on-the-go policy management but offers few add-ons and discounts for policy customization.
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The General is a popular car insurance carrier for high-risk drivers who may have a poor credit history or need an SR-22. The company offers several insurance policies, including life insurance through American Family Insurance. The General is not available in all 50 states, but it does have numerous discounts for potential savings.
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STANDOUT FEATURES
These features are some of the carrier’s most impressive
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High-risk auto insurance product
Auto repair guarantee
Custom home insurance packages
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Affordable for high-risk drivers
Insurance for poor credit
Flexible payment methods
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Home insurance through partners
Insurance for high-risk drivers
SR-22s and non-owner insurance
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AVG FULL COV. AUTO RATE
Average national annual cost of a full coverage auto insurance policy
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| $2,761 | $4,499 |
$2,538 |
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J.D. POWER AUTO SCORE
J.D. Power’s U.S. Auto Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
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672/1000 |
Not Scored | Not Scored |
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AVG HOME RATE
Average national annual cost of a home insurance policy with $300K in dwelling coverage
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$1,727 |
No rates available | No rates available |
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J.D. POWER HOME SCORE
J.D. Power’s U.S. Property Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
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Not Scored |
Not Scored | Not Scored |
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AM BEST RATING
AM Best ratings assess companies’ financial strength based on historical ability to pay out claims, among other financial obligations
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A+(Superior) |
A-(Excellent) | A(Excellent) |
National General car insurance review
A subsidiary of Allstate since 2021, National General works with a wide network of local agents to offer affordable auto insurance in all 50 states and Washington, D.C., with a focus on high-risk drivers. But National General’s Bankrate score is notably lower than its parent company, with just 3.6 out of 5.0 for auto insurance — largely a reflection of the high rate of customer complaints associated with National General auto insurance.
Still, National General (or “NatGen,” as you may hear them called) may be a good fit for some drivers. Flexibility is a hallmark of National General’s auto insurance product: you can tailor your policy to your needs with either the Signature or Elite tier of the Custom360 auto package. Optional endorsements include rideshare coverage, full safety glass, accident forgiveness, diminishing deductibles and roadside assistance. National General also offers flexible payment options that may help you fit your policy to your budget and schedule.
Pros and cons of National General car insurance
When shopping for the best car insurance company, it may be helpful to narrow down your search by comparing perks and drawbacks. Here are some pros and cons we identified for National General:
Pros
- Lifetime guarantee on auto repairs due to a covered claim if you take your vehicle to an approved shop
- Emergency expense allowance will cover up to $500 for food, lodging and travel if you’re stranded after a covered claim
- Works with high-risk drivers in need of SR-22 or FR-44 certificates
Cons
- High rate of customer complaints
- Below-average J.D. Power scores for overall customer satisfaction and claims satisfaction
- Rates may be above average for many drivers
National General car insurance cost
According to data from Quadrant Information Services, National General customers pay an average of $230 per month for full coverage car insurance and $63 per month for state minimum coverage. That’s 3 percent more than the national average for full coverage, and 7 percent less than the national average for minimum coverage.
Compare National General car insurance rates
National General’s average rates are generally close to the national average, and may be higher or lower than competitors. Keep in mind that your personal profile will impact the rates you’re eligible for from any given insurer.
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$230
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$63
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$223
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$75
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$182
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$61
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$181
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$49
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$279
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$82
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$172
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$50
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$159
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$57
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$256
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$81
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$185
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$60
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$188
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$62
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National General car insurance quotes by driver profile
High-risk drivers with incidents on their driving record may be eligible for competitive rates from National General compared to other insurers.
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Good driver, good credit
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National General full coverage premium
$2,761
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National full coverage premium
$2,671
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National General full coverage premium
$3,562
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National full coverage premium
$4,693
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National General full coverage premium
$3,230
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National full coverage premium
$3,272
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National General full coverage premium
$4,035
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National full coverage premium
$3,841
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National General full coverage premium
$4,379
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National full coverage premium
$5,233
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National General car insurance quotes by age
Young drivers typically pay significantly higher premiums for car insurance compared with more experienced drivers who pose less risk on the road. National General may be a good option for younger drivers with incidents on their driving record.
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National General full coverage premium
$8,254
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National full coverage premium
$5,710
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National General full coverage premium
$5,325
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National full coverage premium
$4,925
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National General full coverage premium
$5,300
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National full coverage premium
$5,398
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National General full coverage premium
$3,236
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National full coverage premium
$3,294
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National General full coverage premium
$2,911
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National full coverage premium
$2,850
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National General full coverage premium
$2,761
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National full coverage premium
$2,671
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National General full coverage premium
$2,629
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National full coverage premium
$2,415
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized auto insurance quotes
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
National General home insurance review
While it’s not among the familiar names you may associate with home insurance, National General may be an excellent option for many customers seeking affordable coverage for their home. National General’s home insurance product received a much higher Bankrate Score than its auto insurance offerings, at 4.3 out of 5.0.
National General’s high Bankrate Score reflects its breadth of coverage options, which include three tiers of Custom360 coverage packages that can help homeowners quickly match their insurance policy to their needs. Optional endorsements for National General home insurance include identity theft protection, home systems and service line coverage, extended replacement cost, water backup coverage and even open perils coverage that can insure your home against the widest possible range of losses.
Pros and cons of National General homeowners insurance
Comparing home insurance quotes is a great way to assess insurers; however, price is only one factor to consider.
Pros
- Custom360 coverage packages may streamline the quoting process
- More advertised discounts than some competitors
- Extensive coverage options and endorsements
Cons
- NatGen does not insure mobile or manufactured homes
- You must speak with an agent to get a homeowners quote
- Below average customer satisfaction rating
National General home insurance cost
On average, National General customers pay $1,727 per year for $300,000 in dwelling coverage, according to data from Quadrant Information Services. That’s 28 percent less than the national average cost of home insurance.
Compare National General homeowners insurance rates
On average, National General’s home insurance rates fall comfortably below the industry average. Keep in mind that individuals may be eligible for different rates from National General and its competitors based on personal rating factors such as home age and location.
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$1,727
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- $681 |
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$2,186
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- $222 |
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$2,573
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+ $165 |
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$1,248
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- $1,160 |
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$2,787
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+ $379 |
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$2,073
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- $335 |
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$3,257
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+ $849 |
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$1,980
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- $428 |
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$2,711
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+ $303 |
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$2,498
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+ $90 |
National General car insurance quotes by dwelling coverage
The cost to rebuild your entire home — the amount of dwelling coverage needed to insure it — is a primary factor in determining what you’ll pay for home insurance. The table below compares National General’s average premiums for various coverage limits.
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$150K dwelling
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National General average annual premium
$957
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National average premium
$1,442
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$300K dwelling
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National General average annual premium
$1,727
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National average premium
$2,408
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$350K dwelling
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National General average annual premium
$1,983
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National average premium
$2,724
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$450K dwelling
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National General average annual premium
$2,502
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National average premium
$3,357
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$750K dwelling
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National General average annual premium
$4,044
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National average premium
$5,237
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Get personalized home insurance quotes
Answering a few quick questions to check your availability with National General
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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Read our full methodologyAt Bankrate, we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our
78
years of industry experience
10
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
What are real-life customers saying about National General?
When Bankrate’s insurance editorial team looked into real-life customer reviews of National General on Reddit, we found the classic split: while some customers praised NatGen’s quick and efficient claims response, others complained about the company being difficult to work with and reluctant to pay out on claims. We also saw a high number of posts from disgruntled drivers who reported a frustrating experience filing third-party claims after being struck by National General customers.
We take both perspectives seriously. If you’re considering purchasing insurance through National General, you may want to seek out the perspectives of current policyholders either through social media or your own networks.
*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.
Frequently asked questions
What policyholders are saying about National General
National General has 50 reviews
Dive into community reviews below and see what others think about National General.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
In collaboration with market research firm SliceMR, Bankrate surveyed over 3,000 insurance customers nationwide from 2024–2025, asking policyholders to rate their insurer's cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders' policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.
Policyholder Reviews
Methodology
Bankrate utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following driver characteristics:
Other profiles
Auto Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
Bankrate utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage limits:
Dwelling coverage
$300,000Other structures coverage
$30,000Personal property coverage
$150,000Loss of use coverage
$60,000Liability coverage
$500,000Medical payment coverage
$1,000The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following homeowner characteristics:
Home Bankrate Score
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
